Groupama // 2021 Universal Registration Document

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) Declaration of Extra-financial Performance

Groupama has an exceptional field network, in France and abroad, and elected representatives (30,000 people) who understand the expectations of members, supervise the accounts of the local mutuals, and promote preventive actions, etc. Everything is geared towards an even more personalised approach to the needs of members/customers. There are plenty of examples of suitable insurance solutions offered by our companies: young drivers’ policies with a driving course at no extra cost, cyber offering – at no extra cost – in multi-risk offerings for professionals, “mini” options in prevention/health insurance with systematic consideration of the pricing impact of the offerings, in life insurance, widespread implementation of customer studies (quantitative and qualitative) to better understand and, where appropriate, develop Groupama Gan Vie’s positioning on a particular product. Services are expanding, particularly in health (nutrition portal and launch of Mon Kiosque Santé, enrichment of the Sévéane care network, medical teleconsultation in all policies, and multiple personal services to help people get going again). Groupama, the insurer of the territories, is also involved in studies to combat “medical deserts” by working on service solutions with municipalities and physicians. In the wake of the new PACTE law, Groupama Gan Vie has successfully launched its range of Retirement Savings Plans (PER) and associated services (advice, simulations, etc.). Groupama’s ambition is to become a key player in the French market in the social issue of retirement, by offering advice and global solutions. Written premiums increased by +37% in retirement savings and +9.6% in health insurance between November 2020 and 2021. In 5 years, Groupama has doubled its market share in France in pensions (to over 7%). In savings, Groupama duplicated in 2021 all its delegated management profiles in sustainable management. The Groupama group’s delegated management, designed by Groupama Gan Vie and deployed in all the Group’s networks for the last four years, comprises five profiles: conservative, moderate, balanced, dynamic, and aggressive. 80% of our payments are now made on these profiles. With regard to agricultural offers, Groupama continued to ramp up its products and services for the pluriactivity and multidisciplinarity of farmers, who play a vital role; one year after the launch of the “Farmers. Essential to the world” campaign, farmers were once again highlighted in 2021 by Groupama with the “Essential Farmers” digital activation. The resilience of farmers is essential. We are attentive to developments and new expectations in the sector, which create new risks and to which Groupama is already prepared to respond (direct distribution, transmission of farms, energy transition, agro-ecology, cyber risk, etc.). In 2021, Groupama launched a new platform for farmers to sell their products in short circuits. For local shops, the coverage of complementary activities of line sales is given without additional costs. Note the importance of reinsurance that supports product innovation, particularly on emerging risks ( e.g. cyber risks, income stability insurance for farmers, and yak insurance to fight poverty among Chinese farmers).

Anticipating risk: prevention, a strong policy of Groupama ❯ for more than 60 years Driven by the strong convictions of the Mutualist Directors (elected representatives) and the employees, it favours anticipation and long-term actions to serve our members and customers. For companies of the Group, applying a large-scale prevention policy means encouraging the emergence of responsible attitudes towards risks while being economically efficient. Various prevention actions are carried out around two focuses, from technical prevention (business risk inspections, electrical or alarm installation advice, etc.) with types of communication media (newsletter, SMS, email, app, etc.) and institutional prevention with the general public, customers or non-customers (road safety awareness for schoolchildren, prevention of accidents in the home, conferences on topics of health, meteorology, and climate change, prevention of theft, etc.). Prevention has taken shape over time through multiple individual or collective, innovative or original actions seeking to reinforce the safety of individuals and property on all of their private and professional risks. The deployment of prevention actions conforms to a strategy specific to the Group, a source of expertise and legitimacy: integration of dedicated resources (teams of prevention inspectors, Centaure centres, etc.), partnerships of excellence (Predict, Météo France, the Prévention Routière road safety association, national police force, highway companies, etc.), and local actions thanks to exceptional coverage of the territory. For example, for many years, the Group has worked with its partners to provide the “Dix de conduite jeunes” and “Dix de conduite rurale” safe driving training. In 2021, the Confédération de l’Artisanat et des Petites Entreprises du Bâtiment (CAPEB) and Groupama signed a partnership to pool their know-how and respond to the needs of companies and craftsmen in the sector, and to raise their awareness of occupational risk prevention, with the support of IRIS-ST (Institute for Research and Innovation in Health and Safety at Work). This partnership reinforces the actions already initiated and developed for several years by the local entities of the CAPEB and the regional mutuals of Groupama. The “Groupama, ma prévention météo” app has been extended to beneficiaries registered on the “Groupama, toujours là” app, as part of the extension of the Groupama-Predict service to individuals, professionals, and businesses for several regional mutuals. The Predict prevention service for local authorities includes support in preparing operational risk management documents required by prefectures, such as the Local Response Plan (PCS) and 24/7 expert support for anticipated risk information. Local authorities benefit from a dedicated Web space, combined with personalised warnings at the municipality level. Thanks to these adaptive solutions, numerous safety measures are initiated each year. Health crises, worsening weather conditions, media risks, regulatory changes, etc. Local government officials are faced with an increasing number of situations that require expert support. Groupama, the leading insurer of local authorities, assumes this role with them and helps them to exercise their responsibilities in all circumstances. The Salon des maires et des collectivités locales de 2021 in Paris was an opportunity to recall this, notably through 3 conferences (regulatory developments, media risk, climate risk).

77 Universal Registration Document 2021 - GROUPAMA ASSURANCES MUTUELLES